720-724-8187 rogelio@vidabroker.com
Working with Credit Repair Companies

Because your credit is a huge part of being able to qualify for a loan, resolving credit problems and securing that higher FICO score is paramount. There are definitely ways to improve your credit. However, if your are needing to resolve some negative items on your report, you can find it stressful, frustrating and time consuming. Both for-profit and non-profit organizations have been around for many years to help consumers find solutions. Non-profit companies may work better to negotiate debt and lower interest rates on existing accounts. There may be a small initial fee to get you started with them. They also provide financial education and an in-depth analysis of your family budget. In general, they will help you understand how credit and credit reporting works, but it is up to you do the leg work.

For-profit companies have had a history of charging people for services which at many times, clients have not been satisfied and felt overcharged. However, recent changes in laws have protected consumers from being taken advantage by the bad characters in the credit repair industry. Like any business, there will be good and there will be bad. It is recommended that if you have a number of credit issues to deal with and you would rather have someone else do the legwork for you, that you have a conversation with a representative to find how they work.

As a Realtor working for the benefit of my clients, I am very careful which businesses I refer. Ideal Credit is a local company that offers credit repair solutions at an affordable price. They have been recommended by several lenders as well, so I decided to interview Alexis Pacheco.  They’re worth checking out at the very least. Check out my interview with Alexis.

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As we settle into spring 2025, Denver’s real estate market is revealing some critical shifts. Whether you’re buying your first home or preparing to sell a property you’ve outgrown, understanding the market’s current temperature—especially through the lens of months-of-supply—can help you move with clarity and confidence.


📊 What Is Months-of-Supply?

Months-of-supply tells us how many months it would take to sell all current homes on the market at today’s pace, assuming no new listings come in. It’s one of the best ways to gauge whether buyers or sellers have the upper hand:

  • 0–4 months: Seller’s market
  • 4–6 months: Balanced market
  • 6+ months: Buyer’s market

📍 What’s Happening in Denver?

Denver currently has a 3.1-month supply, nudging close to a balanced market. While still favoring sellers slightly, inventory is rising fast—up 11.2% year-over-year and a striking 70.6% above 2019 levels. New listings also rose by 18.1% over the past year, though still slightly below pre-pandemic levels.

Now here’s a key point: closed sales in April 2025 were down 3.2% from last year. Fewer completed transactions suggest that buyer activity is cooling even as more homes hit the market. This shift reflects growing caution among buyers, likely tied to higher mortgage rates and affordability pressures.

In simple terms: we’re seeing more homes for sale, fewer homes being sold, and slightly longer time on market. This is a clear signal that the market is transitioning—and that timing, strategy, and pricing are more important than ever.


🏙️ Comparing Other Cities

Miami Area7.8 months of supply

Buyer’s market with inventory up 37.5%, but closed sales flat. Homes are sitting.

Austin, TX5.4 months

Moving toward balance. Listings up 19.7%, but also seeing a slowdown in closed deals.

Phoenix, AZ3.6 months

Still seller-friendly, but inventory has surged 54.6%. Like Denver, the pace is slowing.

In comparison, Denver’s sharp inventory rise paired with declining closings indicates one thing: competition is heating up—especially for sellers.

🤝 Buyers: Opportunity Is Knocking

  • More Inventory = More Choice

  • Stronger Negotiation Power: Fewer bidding wars, more room to talk terms.

  • Act Smart, Not Fast: It’s not about “the deal”—it’s about the right deal.


💼 Sellers: Stay Strategic

  • Price It Right: With fewer sales happening, homes that are overpriced are sitting.

  • Presentation Wins: You’ll stand out when your home is clean, staged, and easy to show.

  • Act Now While It’s Still a Seller’s Market: We’re on the edge—waiting could cost you.

📲 Let’s Talk—No Pressure

Whether you’re dreaming of a new home or prepping to sell, let’s have a free, no-obligation conversation to map out your next move.
📞 Text/call me directly at 720-724-8187
📅 Or grab a time that works for you: Book Here

You’ll get real insight, no pressure—just a smart path forward based on your goals.

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